ㄪᰝ⤖ᯝࡢ⪃ᐹ

(1) ᆅ㟈ಖ㝤࡟ࡘ࠸᳨࡚ウࡋࡓୖ࡛ຍධࡋࡓ⪅

ᆅ㟈ಖ㝤ࡢຍධࡲࡓࡣ㠀ຍධࡢุ᩿ࡢࡓࡵ࡟⿵ൾෆᐜࡸಖ㝤ᩱ➼࡟ࡘ࠸᳨࡚ウࡋࡓୖ࡛

ຍධࡋࡓ⪅㸦N=413㸧ࢆᑐ㇟࡟㸪ᆅ㟈ಖ㝤࡟ຍධࡋ࡚࠸ࡿ⌮⏤㸦」ᩘᅇ⟅ྍ㸧ࢆ⪺ࡃ࡜㸪⿵

ൾෆᐜࡸಖ㝤ᩱ࡟㨩ຊࢆឤࡌ࡚࠸ࡿ⪅௨ୖ࡟㸪ࠕᆅ㟈ಖ㝤ไᗘ㸦⿵ൾෆᐜࡸಖ㝤ᩱ㸧࡟‶㊊

ࡋ࡚࠸ࡿࢃࡅ࡛ࡣ࡞࠸ࡀ㸪኱つᶍ࡞ᆅ㟈࡟㐼㐝ࡋࡓሙྜࡢ⿵ൾ࡜ࡋ࡚ᆅ㟈ಖ㝤࡟຾ࡿไᗘ

ࢆ▱ࡽ࡞࠸࠿ࡽࠖ࡜࠸࠺⿵ൾෆᐜࡸಖ㝤ᩱ➼࡟ࡘ࠸࡚㸪ᚲࡎࡋࡶ‶㊊ࡋ࡚࠸࡞࠸࡜࠸ࡗࡓᾘ ᴟⓗ࡞❧ሙࡢ⪅㸦56.9%㸧ࡀ᭱ࡶከࡃ࡞ࡗ࡚࠸ࡿ㸦ᅗ 28㸧㸬ࡲࡓ㸪20%๓ᚋࡢ⪅ࡣࠕࣜࢫࢡ

࡟ᑐࡋ࡚ಖ㝤ᩱࡀ๭Ᏻࡔ࡜ᛮࡗࡓ࠿ࡽࠖࡸࠕಖ㝤ᩱ㸦ᐇ㢠㸧ࡀᏳ࠸࠿ࡽ㸦㧗ࡃ࡞࠸࠿ࡽ㸧ࠖ

࡜ᅇ⟅ࡋ࡚࠾ࡾ㸪⿵ൾෆᐜࡸಖ㝤ᩱ➼࡟ࡘ࠸᳨࡚ウࡋࡓୖ࡛ຍධࡋࡓ⪅࠿ࡽࡣ㸪୍ᐃ⛬ᗘ㸪 ಖ㝤ᩱࡢ౯᱁タᐃ࡟ࡘ࠸࡚ࡶ⌮ゎࡀᚓࡽࢀ࡚࠸ࡿࡇ࡜ࡀ☜ㄆ࡛ࡁࡿ㸬

ࡋ࠿ࡋ࡞ࡀࡽ㸪ࠕ⛯ไඃ㐝㸦ᆅ㟈ಖ㝤ᩱ᥍㝖㸧࡟㨩ຊࢆឤࡌࡓ࠿ࡽࠖ࡜࠸ࡗࡓᅇ⟅ࡣ8.2%

࡟␃ࡲࡾ㸪ᆅ㟈ಖ㝤ࡢຍධಁ㐍ࡢࡓࡵࡢ᪋⟇࡜ࡋ࡚ᑟධࡉࢀࡓ⛯ἲୖࡢඃ㐝ᥐ⨨ࡣ㸪ᆅ㟈ಖ 㝤ࡢຍධືᶵ࡜ࡋ࡚༑ศ࡟ᶵ⬟ࡋ࡚࠸࡞࠸ࡼ࠺࡛࠶ࡿ㸬

10.1%

16.2%

5.2%

1.5%

0.9%

0% 5% 10% 15% 20%

3.7%

18.3%

13.8%

15.7%

14.5%

0%

5%

10%

15%

20%

䜘䛟᳨ウ䛧䛯

䛹䛱䜙䛛䛸䛔䛖䛸

᳨ウ䛧䛯

䛹䛱䜙䛸䜒䛔䛘䛺䛔

䛹䛱䜙䛛䛸䛔䛖䛸

᳨ウ䛧䛶䛔䛺䛔

䜎䛳䛯䛟

᳨ウ䛧䛶䛔䛺䛔

ᆅ㟈ಖ㝤 㠀ຍධ 䠄66.1%䠅 ᆅ㟈ಖ㝤 ຍධ 䠄33.9%䠅

(29.8%)

(47.8%) (15.3%)

(4.4%)

(2.7%) (5.6%)

(27.7%)

(20.9%)

(23.8%)

(22.0%)

ϐਫ਼

䐟 ຍධ䛧䛶䛔䜛⌮⏤

䛾ㄪᰝ

䐠 ຍධ䛧䛶䛔䜛⌮⏤

䛾ㄪᰝ 䐡 ⿵ൾෆᐜ䛾ㄆ▱≧

ἣ䛾ㄪᰝ 䐢 ᆅ㟈ಖ㝤䛾ᚲせᛶ

䛾ㄆ㆑ㄪᰝ 䐣 ᚲせ䛺䛾䛻䚸䛺䛬䚸

ຍධ䛧䛺䛔䛾䛛䠛 䛺䛬䚸୙せ䛰䛸ᛮ䛖 䛾䛛䠛

10.1%

16.2 (29.8%) ᆅ㟈ಖ㝤䛾ຍධ䜎䛯䛿㠀ຍධ䛻䛴䛔䛶

᳨ウ䛧䛯ୖ䛷ຍධ䛧䛶䛔䜛䜾䝹䞊䝥 䠄N=413䠅

5.2%

1.5%

0.9%

(15.3%)3

(4.4%)4

(2.7%)7

ᆅ㟈ಖ㝤䛾ຍධ䜎䛯䛿㠀ຍධ䛻䛴䛔䛶

༑ศ䛺᳨ウ䜢䛧䛶䛔䛺䛔䛻䜒㛵䜟䜙䛪䠈 ຍධ䛧䛶䛔䜛䜾䝹䞊䝥

䠄N=119䠅 3.7%%

13.8%%

15.7%

((5.6%)

(27.7%)

((20.9%)

(23.8%)

ᆅ㟈ಖ㝤䛾ຍධ䜎䛯䛿㠀ຍධ䛻䛴䛔䛶 䜎䛳䛯䛟᳨ウ䛧䛶䛔䛺䛔䜟䛡䛷䛿䛺䛔䛜䠈 ຍධ䛧䛶䛔䛺䛔䜾䝹䞊䝥

䠄N=810䠅

46

ᅗ 28 ᆅ㟈ಖ㝤࡟ຍධࡋ࡚࠸ࡿ⌮⏤㸦ᘓ≀㸪N=413㸪MA㸧

ḟ࡟㸪ࠕᆅ㟈ಖ㝤ไᗘ㸦⿵ൾෆᐜࡸಖ㝤ᩱ㸧࡟‶㊊ࡋ࡚࠸ࡿࢃࡅ࡛ࡣ࡞࠸ࡀ㸪኱つᶍ࡞ᆅ 㟈࡟㐼㐝ࡋࡓሙྜࡢ⿵ൾ࡜ࡋ࡚ᆅ㟈ಖ㝤࡟຾ࡿไᗘࢆ▱ࡽ࡞࠸࠿ࡽࠖ࡜ᅇ⟅ࡋࡓ⪅㸦N=235㸧

ࢆᑐ㇟࡟㸪ᆅ㟈ಖ㝤ࡢ⿵ൾෆᐜ➼࡛‶㊊࡛ࡁ࡞࠸⌮⏤ࢆ⪺࠸࡚ࡳࡿ࡜㸪ࠕಖ㝤㔠ࡀᨭᡶࢃࢀ

ࡿሙྜࡢᇶ‽㸦඲ᦆ㸪༙ᦆ㸪୍㒊ᦆ㸧ࡀࢃ࠿ࡾ࡟ࡃ࠸࠿ࡽ㸦51.9%㸧ࠖࡸࠕ⥲ᨭᡶ㝈ᗘ㢠ࡀタ ᐃࡉࢀ࡚࠾ࡾ㸪኱つᶍ࡞ᆅ㟈ࡀⓎ⏕ࡋࡓሙྜ࡟ಖ㝤㔠㢠ࡢ඲㢠ࡀᨭᡶࢃࢀ࡞࠸ྍ⬟ᛶࡀ࠶

ࡿ࠿ࡽ㸦40.9%㸧ࠖ࡞࡝ࡢಖ㝤㔠ᨭᡶ࠸࡟㛵ࡍࡿ㐠⏝ୖࡢ୙Ᏻࡀୖ఩࡟ᣲࡀࡗ࡚࠸ࡿ㸬 ࡑࡢ௚㸪ಖ㝤ᩱ࡟ࡘ࠸࡚ࡣࠕಖ㝤ᩱ㸦ᐇ㢠㸧ࡀ㧗࠸࠿ࡽ㸦40.0%㸧ࠖ࡜࠸ࡗࡓᣦ᦬ࡀୖ఩࡟

఩⨨ࡍࡿࡢ࡟ᑐࡋ㸪ࠕࣜࢫࢡ࡟ᑐࡋ࡚ಖ㝤ᩱࡀ๭㧗ࡔ࡜ᛮࡗࡓ࠿ࡽ㸦27.7%㸧ࠖ࡜࠸ࡗࡓᣦ᦬

࡜ࡢ㛫࡟ࡣᕪࡀ࠶ࡾ㸪ಖ㝤ᩱࡀ㧗࠸࡜࠸࠺ㄆ㆑ࡀ࠶ࡿ୍᪉࡛㸪ᆅ㟈ࡢࣜࢫࢡ࡟ᑐࡋࡓぢྜ࠸

࡜ࡋ࡚ࡣ㸪⌮ゎࡀᚓࡽࢀ࡚࠸ࡿ࡜ࡶゎࡍࡿࡇ࡜ࡀ࡛ࡁࡿ㸬ࡲࡓ㸪ຍධ㝈ᗘ㢠࡜௜ಖ๭ྜ࡟ࡘ

࠸࡚ࡶ㸪ᆅ㟈ಖ㝤ไᗘࡢ୙‶࡜ࡋ࡚ࠕ௜ಖ๭ྜࠖࢆᣲࡆ࡚࠸ࡿ⪅ࡣ⣙4๭࡛࠶ࡿࡢ࡟ᑐࡋ㸪 ࠕຍධ㝈ᗘ㢠ࠖࢆᣲࡆ࡚࠸ࡿ⪅ࡣ1๭⛬ᗘ࡟␃ࡲࡗ࡚࠸ࡿ㸦ᅗ 29㸧㸬

56.9%

40.9%

21.3%

19.6%

9.4%

8.2%

1.9%

0% 10% 20% 30% 40% 50% 60%

ᆅ㟈ಖ㝤ไᗘ䠄⿵ൾෆᐜ䜔ಖ㝤ᩱ䠅䛻‶㊊䛧䛶䛔䜛䜟䛡䛷䛿䛺䛔䛜䠈኱つᶍ䛺 ᆅ㟈䛻㐼㐝䛧䛯ሙྜ䛾⿵ൾ䛸䛧䛶ᆅ㟈ಖ㝤䛻຾䜛ไᗘ䜢▱䜙䛺䛔䛛䜙

ᆅ㟈ಖ㝤䛾⿵ൾෆᐜ䠄ᆅ㟈䚸ὠἼ䚸ᄇⅆ➼䛾䝸䝇䜽䜢ᢸಖ䠅䛻㨩ຊ䜢ឤ䛨䛯䛛䜙

䝸䝇䜽䛻ᑐ䛧䛶ಖ㝤ᩱ䛜๭Ᏻ䛰䛸ᛮ䛳䛯䛛䜙

ಖ㝤ᩱ䠄ᐇ㢠䠅䛜Ᏻ䛔䛛䜙䠄㧗䛟䛺䛔䛛䜙䠅

⪏㟈➼⣭䜔ᘓ⠏ᖺ➼䛻䜘䜛ಖ㝤ᩱ๭ᘬไᗘ䛻㨩ຊ䜢ឤ䛨䛯䛛䜙

⛯ไඃ㐝䠄ᆅ㟈ಖ㝤ᩱᡤᚓ᥍㝖䠅䛻㨩ຊ䜢ឤ䛨䛯䛛䜙

䛭䛾௚

•⪏㟈๭ᘬ➼䛾๭ᘬไᗘ䠄2001ᖺ䜘䜚ᘓ⠏ᖺ๭ᘬཬ䜃⪏㟈

➼⣭๭ᘬ䠈2007ᖺ䜘䜚ච㟈ᘓ⠏≀๭ᘬཬ䜃⪏㟈デ᩿๭

ᘬ䠅䛿䠈ᆅ㟈ಖ㝤䛾ຍධືᶵ䛸䛧䛶༑ศ䛻ᶵ⬟䛧䛶䛔䛺䛔䠊

•ᆅ㟈ಖ㝤ᩱ᥍㝖ไᗘ䠄2007ᖺ1᭶䠅䛿䠈ᆅ㟈ಖ㝤䛾ຍධື

ᶵ䛸䛧䛶༑ศ䛻ᶵ⬟䛧䛶䛔䛺䛔䠊

•ᆅ㟈ⅆ⅏䛻ᑐ䛩䜛୙Ᏻ䠈⿕⅏⤒㦂 䛺䛹

•ᆅ㟈ಖ㝤䛾ຍධ⪅䛛䜙䛿䠈୍ᐃ⛬ᗘ䠈ಖ 㝤ᩱ䛾౯᱁タᐃ䛻䛴䛔䛶䜒⌮ゎ䛜ᚓ䜙䜜 䛶䛔䜛䠊

47

ᅗ 29 ᆅ㟈ಖ㝤ࡢ⿵ൾෆᐜ࡛‶㊊࡛ࡁ࡞࠸⌮⏤㸦ᘓ≀㸪N=235㸪MA㸧

(2) ᆅ㟈ಖ㝤࡟ࡘ࠸࡚༑ศ࡞᳨ウࢆࡏࡎ࡟ຍධࡋࡓ⪅

ᆅ㟈ಖ㝤ࡢຍධࡲࡓࡣ㠀ຍධࡢุ᩿ࡢࡓࡵ࡟⿵ൾෆᐜࡸಖ㝤ᩱ➼࡟ࡘ࠸࡚༑ศ࡞᳨ウࢆ

ࡋ࡚࠸࡞࠸࡟ࡶ㛵ࢃࡽࡎ㸪ᆅ㟈ಖ㝤࡟ຍධࡋࡓ⪅㸦N=119㸧ࢆᑐ㇟࡟㸪ᆅ㟈ಖ㝤࡟ຍධࡋ࡚

࠸ࡿ⌮⏤㸦」ᩘᅇ⟅ྍ㸧ࢆ⪺ࡃ࡜㸪7๭㏆ࡃࡢ⪅ࡀࠕ࡞ࢇ࡜࡞ࡃᚲせࡔ࡜ᛮࡗࡓ࠿ࡽࠖ࡜ᅇ

⟅ࡋ࡚࠸ࡿ㸦ᅗ 30㸧㸬

ᅗ 30 ᆅ㟈ಖ㝤࡟ຍධࡋ࡚࠸ࡿ⌮⏤㸦ᘓ≀㸪N=119㸪MA㸧

ࡉࡽ࡟㸪42.9%ࡢ⪅ࡀ㸪ᆅ㟈ಖ㝤ࡢ⿵ൾෆᐜࢆ⌮ゎࡋ࡚࠸࡞࠸ࡲࡲ㸪ᆅ㟈ಖ㝤࡟ຍධࡋ࡚

࠸ࡿࡇ࡜ࡀ᫂ࡽ࠿࡟࡞ࡗࡓ㸦ᅗ 31㸧㸬

51.9%

40.9%

40.0%

38.7%

29.8%

28.1%

27.7%

23.0%

13.6%

12.8%

11.1%

0.9%

0% 20% 40% 60%

ಖ㝤㔠䛜ᨭᡶ䜟䜜䜛ሙྜ䛾ᇶ‽䠄඲ᦆ䠈༙ᦆ䠈୍㒊ᦆ䠅䛜 䜟䛛䜚䛻䛟䛔䛛䜙

⥲ᨭᡶ㝈ᗘ㢠䛜タᐃ䛥䜜䛶䛚䜚䠈኱つᶍ䛺ᆅ㟈䛜Ⓨ⏕䛧䛯ሙྜ䛻 ಖ㝤㔠㢠䛾඲㢠䛜ᨭᡶ䜟䜜䛺䛔ྍ⬟ᛶ䛜䛒䜛䛛䜙

ಖ㝤ᩱ䠄ᐇ㢠䠅䛜㧗䛔䛛䜙 ᆅ㟈ಖ㝤䛾ಖ㝤㔠㢠䛿䠈ⅆ⅏ಖ㝤䛾ಖ㝤㔠㢠䛾30%䛛䜙50%䛾

⠊ᅖෆ䛷タᐃ䛧䛺䛟䛶䛿䛺䜙䛺䛔䛛䜙 ᆅ㟈ಖ㝤䛿༢⊂䛷ຍධ䛩䜛䛣䛸䛜䛷䛝䛺䛔䛛䜙 䠄ⅆ⅏ಖ㝤䛸䝉䝑䝖䛷ຍධ䛧䛺䛟䛶䛿䛺䜙䛺䛔䛛䜙䠅

⮬ື㌴ಖ㝤䛾䜘䛖䛻䠈↓஦ᨾ๭ᘬ䛾䜘䛖䛺ไᗘ䛜↓䛔䛛䜙 䝸䝇䜽䛻ᑐ䛧䛶ಖ㝤ᩱ䛜๭㧗䛰䛸ᛮ䛳䛯䛛䜙

↓஦ᨾ䛾ሙྜ䛻ಖ㝤ᩱ䛾୍㒊䜢㏉㑏䛩䜛ไᗘ䛜↓䛔䛛䜙 5ᖺ䜢㉸䛘䜛㛗ᮇ䛾ዎ⣙䛜䛷䛝䛺䛔䛛䜙 ᆅ㟈ಖ㝤䛾ಖ㝤㔠㢠䛿䠈ᒃఫ⏝ᘓ≀䛻䛴䛔䛶䛿5,000୓෇䠈

⏕ά⏝ື⏘䛻䛴䛔䛶䛿1,000୓෇䛜ୖ㝈䛰䛛䜙 ᆅ㟈ಖ㝤䛾ಖ㝤㔠㢠䛿䠈᫬౯㢠䛜ୖ㝈䛰䛛䜙

䛭䛾௚

•ᆅ㟈ಖ㝤ไᗘ䛾୙‶䛸䛧䛶䛂ຍධ㝈ᗘ㢠䛃䜢ᣲ䛢䛶䛔䜛⪅䛿⣙1๭䠈 䛂௜ಖ๭ྜ䛃䜢ᣲ䛢䛶䛔䜛⪅䛿⣙4๭䛸䛺䛳䛶䛔䜛䠊

•ಖ㝤ᩱ䛻㛵䛩䜛୙‶䛸䛧䛶䛿䠈䝸䝇䜽䛻ᑐ䛩 䜛ಖ㝤ᩱ䛾๭㧗ឤ䛷䛿䛺䛟䠈ಖ㝤ᩱᐇ㢠䛻 ㄢ㢟䛜䛒䜛䠊

•ⅆ⅏௨ୖ䛻䠈ᆅ㟈䛻ᑐ䛩䜛༴ᶵព

㆑䛾᪉䛜኱䛝䛔䛾䛛䠛

68.9%

22.7%

15.1%

4.2%

7.6%

0% 20% 40% 60% 80%

䛺䜣䛸䛺䛟ᚲせ䛰䛸ᛮ䛳䛯䛛䜙

ಖ㝤ᩱ䛾㈇ᢸ䛜䠈 䛒䜎䜚Ẽ䛻䛺䜙䛺䛛䛳䛯䛛䜙

ಖ㝤௦⌮ᗑ䛻່䜑䜙䜜䛯䛛䜙

࿘ᅖ䛾ே䛜ຍධ䛧䛶䛔䜛䛛䜙

䛭䛾௚

48

ᅗ 31 ᆅ㟈ಖ㝤ࡢ⿵ൾෆᐜࡢㄆ▱≧ἣ㸦ᘓ≀㸪N=119㸧

(3) ᆅ㟈ಖ㝤ࡢ㠀ຍධ⪅㸦ࡲࡗࡓࡃ᳨ウࡋ࡚࠸࡞࠸⪅ࢆ㝖ࡃ㸧

ᆅ㟈ಖ㝤ࡢຍධࡲࡓࡣ㠀ຍධࡢุ᩿ࡢࡓࡵ࡟⿵ൾෆᐜࡸಖ㝤ᩱ➼࡟ࡘ࠸࡚ࠕࡲࡗࡓࡃ᳨

ウࡋ࡚࠸࡞࠸ࠖ࡜ᅇ⟅ࡋࡓ⪅௨እࡢ㠀ຍධ⪅㸦N=810㸧ࢆᑐ㇟࡟㸪ᆅ㟈ಖ㝤ࡢᚲせᛶࢆ⪺ࡃ

࡜㸪80.0%ࡢ⪅ࡀࠕᚲせࡔ࡜ᛮ࠺ࡀຍධࡋ࡚࠸࡞࠸ࠖ࡜ᅇ⟅ࡋ࡚࠸ࡿ㸦ᅗ 32㸧㸬ࡲࡓ㸪ࠕ୙せ

ࡔ࡜ᛮ࠺ࠖ࡜ᅇ⟅ࡋ࡚࠸ࡿ⪅ࡢ୺࡞⌮⏤࡟ࡣ㸪ࠕඹ῭➼࡟ຍධࡋ࡚࠸ࡿ㸦17.9%㸧ࠖࡸࠕಽቯ ࡋࡓ࡜ࡋ࡚ࡶ㡸㈓㔠➼࡛㈥࠼ࡿ࠿ࡽ㸦⤒῭ⓗ࡟ᅔࡽ࡞࠸࠿ࡽ㸧㸦13.6%㸧ࠖ࡜࠸ࡗࡓ㐺ษ࡞⌮

⏤ࡀᣲࡀࡗ࡚࠸ࡿ୍᪉࡛㸪ࠕ኱つᶍ࡞ᆅ㟈࡟㐼㐝ࡋࡓ࡜ࡋ࡚ࡶ㸪⏒኱࡞⿕ᐖ࡟ࡣ⮳ࡽ࡞࠸࡜

ᛮࡗ࡚࠸ࡿ࠿ࡽ㸦27.8%㸧ࠖࡸࠕࡑࡶࡑࡶ኱つᶍ࡞ᆅ㟈࡟㐼㐝ࡋ࡞࠸࡜ᛮࡗ࡚࠸ࡿ࠿ࡽ㸦16.7%㸧ࠖ

࡜࠸ࡗࡓලྜ࡟㸪ᆅ㟈ࣜࢫࢡࢆ㍍どࡋ࡚࠸ࡿᅇ⟅ࡶᣲࡀࡗ࡚࠸ࡿ㸦ᅗ 33㸧㸬

ᅗ 32 ᆅ㟈ಖ㝤ࡢᚲせᛶ㸦ᘓ≀㸪N=810㸧

ᆅ㟈ಖ㝤䛾

⿵ൾෆᐜ䜢

▱䛳䛶䛔䜛 57.1%

ᆅ㟈ಖ㝤䛾

⿵ൾෆᐜ䜢

▱䜙䛺䛔 42.9%

ᆅ㟈ಖ㝤䛾⿵ൾෆᐜ䜢▱䛳䛶䛔䜛 ᆅ㟈ಖ㝤䛾⿵ൾෆᐜ䜢▱䜙䛺䛔

ᚲせ䛰䛸ᛮ 䛖䛜ຍධ䛧 䛶䛔䛺䛔 80.0%

୙せ䛰䛸ᛮ䛖 20.0%

ᚲせ䛰䛸ᛮ䛖䛜ຍධ䛧䛶䛔䛺䛔 ୙せ䛰䛸ᛮ䛖

49

ᅗ 33 ᆅ㟈ಖ㝤ࢆ୙せࡔ࡜ᛮ࠺⌮⏤㸦ᘓ≀㸪N=162㸪MA㸧

ᆅ㟈ಖ㝤㠀ຍධ⪅ࡢ኱ከᩘࢆ༨ࡵࡿࠕᚲせࡔ࡜ᛮ࠺ࡀຍධࡋ࡚࠸࡞࠸ࠖ࡜ᅇ⟅ࡋࡓ⪅ࡢ㠀 ຍධࡢ⌮⏤࡟ࡘ࠸࡚ࡣ㸪ࠕᆅ㟈ಖ㝤ࡢຍධ࡟ࡘ࠸᳨࡚ウࡋࡓࡀ㸪⿵ൾෆᐜࡸಖ㝤ᩱ➼࡟‶㊊

࡛ࡁ࡞࠿ࡗࡓ࠿ࡽ㸦52.6%㸧ࠖࡀ㐣༙ࢆ༨ࡵ࡚࠸ࡿ㸦ᅗ 34㸧㸬ࡲࡓ㸪ࠕ⿵ൾෆᐜࡀ㞴ࡋࡃ㸪⌮

ゎࡍࡿࡢࡀ㠃ಽ⮯ࡃ᳨࡚ウࡍࡿẼ࡟࡞ࢀ࡞࠿ࡗࡓ࠿ࡽࠖࡸࠕಖ㝤௦⌮ᗑ➼࡟່ࡵࡽࢀࡎ㸪᳨

ウࡍࡿᶵ఍ࡀ࡞࠿ࡗࡓ࠿ࡽࠖ࡜࠸ࡗࡓලྜ࡟㸪᳨ウࡢᅵಥ࡟༑ศ࡟ୖࡾࡁࢀ࡚࠸࡞࠸࡜࠸ࡗ ࡓㄢ㢟ࡀ࠶ࡿࡼ࠺࡛࠶ࡿ㸬

ᅗ 34 ᆅ㟈ಖ㝤ࢆᚲせࡔ࡜ᛮ࠸࡞ࡀࡽࡶຍධࡋ࡚࠸࡞࠸⌮⏤㸦ᘓ≀㸪N=648㸪MA㸧

ඛ㏙ࡢࠕᆅ㟈ಖ㝤ࡢຍධ࡟ࡘ࠸᳨࡚ウࡋࡓࡀ㸪⿵ൾෆᐜࡸಖ㝤ᩱ➼࡟‶㊊࡛ࡁ࡞࠿ࡗࡓ࠿

ࡽࠖ࡜ᅇ⟅ࡋࡓ⪅㸦N=341㸧ࢆᑐ㇟࡟㸪ᆅ㟈ಖ㝤ࡢ⿵ൾෆᐜ➼࡛‶㊊࡛ࡁ࡞࠸⌮⏤ࢆ⪺ࡃ࡜㸪 ᆅ㟈ಖ㝤ຍධ⪅ࡢ‶㊊࡛ࡁ࡞࠸⌮⏤㸦ᅗ 28㸧࡜ࡣ␗࡞ࡾ㸪ࠕಖ㝤ᩱ㸦ᐇ㢠㸧ࡀ㧗࠸࠿ࡽ㸦71.3%㸧ࠖ

ࡸࠕࣜࢫࢡ࡟ᑐࡋ࡚ಖ㝤ᩱࡀ๭㧗ࡔ࡜ᛮࡗࡓ࠿ࡽ㸦62.2%㸧ࠖ࡜࠸ࡗࡓලྜ࡟㸪ಖ㝤ᩱ࡟㛵ࡍ

ࡿព㆑ࡀಖ㝤ຍධࡢ㞀ቨ࡟࡞ࡗ࡚࠸ࡿࡼ࠺࡛࠶ࡿ㸦ᅗ 35㸧㸬

27.8%

17.9%

16.7%

13.6%

9.9%

29.0%

0% 10% 20% 30%

኱つᶍ䛺ᆅ㟈䛻㐼㐝䛧䛯䛸䛧䛶䜒䠈

⏒኱䛺⿕ᐖ䛻䛿⮳䜙䛺䛔䛸ᛮ䛳䛶䛔䜛䛛䜙

ඹ῭➼䛻ຍධ䛧䛶䛔䜛䛛䜙

䛭䜒䛭䜒኱つᶍ䛺ᆅ㟈䛻 㐼㐝䛧䛺䛔䛸ᛮ䛳䛶䛔䜛䛛䜙 ಽቯ䛧䛯䛸䛧䛶䜒䠈㡸㈓㔠➼䛷䜎䛛䛺䛘䜛䛛䜙

䠄⤒῭ⓗ䛻ᅔ䜙䛺䛔䛛䜙䠅

⩏᥼㔠➼䛾බⓗ䛺ᨭ᥼䜢ᮇᚅ䛧䛶䛔䜛䛛䜙 䠄⿕⅏⪅⏕ά෌ᘓᨭ᥼ไᗘ䜢ྵ䜐䠅

䛭䛾௚

䈄 ⌧⾜䛾ᆅ㟈ಖ㝤䛿䠈⿵ൾ㢠䛜୙༑

ศ䛷䠈ຍධ䛩䜛䛭䜒䛭䜒䛾┠ⓗ䛜㐩 ᡂ䛥䜜䛺䛔䠊

䈄 ኱つᶍ䛺ᆅ㟈䛻⿕⅏䛧䛯ሙྜ䛾෌

⏕䜢ㅉ䜑䛶䛔䜛䠊

䈄 ಖ㝤ᩱ䛜㧗䛩䛞䜛 䈄 ಖ㝤ᩱ䛜䜒䛳䛯䛔䛺䛔 䈄 㔠㖹ⓗ䛻వ⿱䛜䛺䛔

52.6%

26.1%

21.1%

9.9%

0% 20% 40% 60%

ᆅ㟈ಖ㝤䛾ຍධ䛻䛴䛔䛶᳨ウ䛧䛯䛜䠈

⿵ൾෆᐜ䜔ಖ㝤ᩱ➼䛻‶㊊䛷䛝䛺䛛䛳䛯䛛䜙

⿵ൾෆᐜ䛜㞴䛧䛟䠈⌮ゎ䛩䜛䛾䛜㠃ಽ⮯䛟䛶

᳨ウ䛩䜛Ẽ䛻䛺䜜䛺䛛䛳䛯䛛䜙 ಖ㝤௦⌮ᗑ➼䛻່䜑䜙䜜䛪䠈᳨ウ䛩䜛ᶵ఍䛜

䛺䛛䛳䛯䛛䜙

䛭䛾௚

50

ᅗ 35 ᆅ㟈ಖ㝤ࡢ⿵ൾෆᐜ➼࡛‶㊊࡛ࡁ࡞࠸⌮⏤㸦ᘓ≀㸪N=341㸪MA㸧

5.3. ࡲ࡜ࡵ

ᮏ❶࡛ࡣ㸪⌧⾜ࡢᆅ㟈ಖ㝤ไᗘࡢࡶ࡜࡛㸪ᆅ㟈ಖ㝤ࡢ⿵ൾෆᐜࡸಖ㝤ᩱ➼࡟ࡘ࠸࡚ࡢ᳨ウ ᗘྜ࠸ࢆ☜ㄆࡋࡓୖ࡛ᅇ⟅⪅ࢆ 3 ࡘࡢࢢ࣮ࣝࣉ࡟ศࡅ࡚㸪ࢢ࣮ࣝࣉࡈ࡜࡟␗࡞ࡿタၥࢆタ ࡅ࡚ព㆑ㄪᰝࢆᐇ᪋ࡋࡓ⤖ᯝࢆ⤂௓ࡋࡓ㸬ࡇࡇ࡛௒୍ᗘ㸪ၥ㢟ព㆑ࡸㄢ㢟࡟ࡘ࠸࡚ᩚ⌮ࡍࡿ㸬

ドキュメント内 日本における家計地震保険の適正な普及に向けた改善 (ページ 48-53)